American Collection Services

Is American Collection Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is American Collection Services, Inc.?

American Collection Services, Inc. (ACS) is a debt collection agency headquartered in Oklahoma City, Oklahoma. If ACS appears on your credit report as a collections account, it typically means you have an unpaid bill that they are attempting to collect.

Who does American Collection Services collect for?

American Collection Services focuses on the recovery of medical debts. This typically involves working on behalf of healthcare providers such as hospitals, clinics, private practices, and other medical service providers. The agency assists these entities in collecting unpaid medical bills, which may range from routine check-ups and procedures to emergency care services.

Is American Collection Services legit or a scam?

American Collection Services is a legitimate company. However, their methods of communication may seem persistent and intrusive, often involving regular calls, text messages, or emails to ensure repayment of debts. While this may feel overwhelming, it’s a common approach in the debt collection industry.

How can I remove American Collection Services from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

American Collection Services, Inc. Contact Information


American Collection Services, Inc.
3100 SW 59th St. Ste A
Oklahoma City, OK 73119

Phone number: (405) 682-8088 or (800) 657-7318

Should I contact or pay American Collection Services?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with American Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Collection Services on behalf of their clients.

Will American Collection Services sue me or garnish my wages?

American Collection Services could potentially sue or garnish your wages. However, working with a law firm like Lexington Law can safeguard you. They assist in disputing the debt and may even get it removed from your credit report, which could cease all contact with American Collection Services.

Regarding wage garnishment, its legality varies by state. If garnishment isn’t allowed in your state, threats from a debt collector to do so are illegal. Also, American Collection Services can’t legally threaten actions they can’t or won’t execute, such as lawsuits or home foreclosure.

American Collection Services, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by a third-party debt collection agency.

Your Rights When Dealing with American Collection Services

Under the Fair Debt Collection Practices Act, American Collection Services must adhere to specific guidelines. Notably:

  • They cannot report false or incomplete information about you.
  • You can request debt validation. If queried, they have a 30-day deadline to confirm the debt’s authenticity and amount.
  • Harassment, threats, and persistent calling are prohibited.
  • They must truthfully identify themselves and their intentions, both orally and in writing.
  • Threats of arrest or imprisonment for unpaid debts are illegal.

Best Practices:

  • Avoid phone conversations. Keep all communication written for record-keeping.
  • If they persist in calling, consider sending a cease and desist letter.
  • Consider recording calls if legal in your state.
  • Be wary of false threats and deceitful tactics.
  • While hiding assets is illegal, safeguard your banking and credit card information.
  • Ignoring them can lead to lawsuits.

Remember, state statutes of limitations can render old debts uncollectible. Even if they contact you about these, you’re not legally obliged to pay.

Remove American Collection Services From Your Credit Report Today!

Lexington Law can assist you in disputing American Collection Services accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.